Every storm season, New Jersey homeowners face the same anxious moment: a heavy nor’easter rolls through Bergen County, the wind howls overnight, and the next morning, there’s a brown stain spreading across the ceiling — and the first question is almost always will my insurance pay for this? The honest answer is “it depends,” and the difference between a covered claim and a denied one usually comes down to a few specific factors most homeowners don’t think about until they’re already filing. Knowing how your policy treats storm-related roof leaks before the next storm hits can save you thousands of dollars and a lot of frustration.
Continue reading Storm Damage & NJ Homeowners Insurance: Roof Leak Coverage
